Well, that figures.

Right after the final, final deadline of Wealthsimple’s last free money offer, it appears that Wealthsimple is now offering spousal RRIFs as an account type for the DIY investor (they’ve had them for quite a while in their robo-advisor accounts).

This had always struck me as silly, especially since they have offered spousal RRSPs for a while now.

Full instructions on how to open one found here.

With this development, Wealthsimple is nearly a viable option to host all of my retirement funds¹. My needs are pretty simple:

• support for all the account types I need (RRIF/Spousal RRIF, TFSA, joint non-registered, individual non-registered)
• zero cost ETF buy/sell
• support for Norbert’s Gambit (which implies support for USD accounts, naturally)

Norbert’s Gambit is planned in early 2026 for Wealthsimple, per the very limited info found here.

So, if you’ve been on the fence about Wealthsimple, here’s one more reason to consider them. Once Questrade’s free money gravy train ends for me in March 2027, they become a personal serious contender, especially if they are willing to throw free money my way, which, historically, has certainly been a recurring theme. On that note, if any reader wants to give them a whirl, I have referral codes, just shoot me a note at comments@moneyengineer.ca; if you act quickly², there might be some free Apple gear in it for you too.

1. QTrade and Questrade both offer all three. There may be others. ↩︎
2. Register by December 23, 2025 ↩︎